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Indian Healthcare Insurance Products (IN7)

Indian Healthcare Insurance Products (IN7) provides knowledge and understanding of the fundamental principles and practices relating to healthcare insurance in India.

This unit has now been withdrawn.

Please see here for information on a suitable alternative qualification and other FAQs.

This unit provides an overview of the Indian healthcare insurance market. We begin by looking at the history of healthcare insurance and its present rate of growth. We will then introduce the different participants of the healthcare insurance market and their roles in the market today.

We then move on to the different types of healthcare insurance products available. The main healthcare insurance policy issued in India for individuals is the basic indemnity product; this reimburses a policyholder’s hospitalisation expenses and is popularly known as a Mediclaim policy. Many other innovative products have been introduced into the healthcare insurance sector in recent years. We will consider all such products in this study text.

We also look at group healthcare insurance products. These cover groups of people under a single policy against sickness, death, personal accident and various other risks. As with any type of insurance, there are exclusions and limitations, and the range of cover available varies depending on the type of plan chosen. We will examine such restrictions in detail.

Finally, we consider the increasing importance healthcare insurance companies are placing on going digital and the significant challenges they are experiencing as a result.

The healthcare insurance industry has benefited from recent changes in regulations initiated by the Insurance Regulatory and Development Authority of India (IRDAI), the entry of standalone healthcare insurers, and improvements in systems and processes.

Building a successful career in insurance

This unit counts towards achieving the Certificate in Insurance. It may also count towards the Diploma in Insurance and the Advanced Diploma in Insurance.

Summary of learning outcomes

  1. Understand the history and structure of the Indian healthcare insurance market
  2. Understand healthcare product types
  3. Understand the different roles and responsibilities of intermediaries and insurers
  4. Understand and apply risk assessment, rating and underwriting considerations
  5. Understand and apply claims management
  6. Understand the legal and regulatory considerations


  • 2 hour exam
  • 100 multiple choice questions
  • 70% nominal pass mark

Units treated as equivalent

Due to the extent of syllabus overlap, certain combinations of current and withdrawn units will result in only one award of credits.

If a withdrawn equivalent is held you may not need to complete a current unit in order to satisfy a qualification's completion rules. Clarification should always be sought from CII Customer Service.

Find out more about credit awards for equivalent units

Study material - editions available

2021-22 edition (applicable to exams sat 01 May 2021 to 31 Dec 21)